IFSC Code of AU Small Finance Bank Limited, Fazilka Branch, Punjab

This page lists the IFSC code, branch address, contact number and fund-transfer information for AU Small Finance Bank Limited, FAZILKA branch in FAZILKA. The 11-digit IFSC AUBL0002399 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with AU Small Finance Bank Limited at the FAZILKA location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, AUBL0002399 is the IFSC of AU Small Finance Bank Limited's FAZILKA branch. The format is fixed: AUBL = bank code, 0 = reserved, 002399 = branch identifier.

Branch details at a glance

Bank profile

AU Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Fazilka branch — IFSC AUBL0002399 — extends the bank's services to customers in and around Fazilka, Punjab.

Fazilka branch overview

Located at PROPERTY NO. 41, RADHASWAMI COLONY, PAINCHAN WALI, the Fazilka branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC AUBL0002399 is required for all interbank electronic transfers routed through this branch.

Why every AU Small Finance Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including FAZILKA of AU Small Finance Bank Limited — its own 11-character IFSC. The code AUBL0002399 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC AUBL0002399 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC AUBL0002399

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC AUBL0002399 across all three.

How to use IFSC AUBL0002399 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to AU Small Finance Bank Limited's FAZILKA branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC AUBL0002399.
4. Confirm the bank name auto-populates as AU Small Finance Bank Limited and the branch as FAZILKA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC AUBL0002399

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to AU Small Finance Bank Limited – FAZILKA, ensure your bank's portal accepts IFSC AUBL0002399 while registering the beneficiary. RTGS is also available 24x7.

IMPS to AU Small Finance Bank Limited FAZILKA (IFSC AUBL0002399)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC AUBL0002399 in your mobile or internet banking app, and the money is credited to the FAZILKA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC AUBL0002399 for AU Small Finance Bank Limited – FAZILKA, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Fazilka branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC AUBL0002399

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at AU Small Finance Bank Limited – FAZILKA is still mapped to IFSC AUBL0002399. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC AUBL0002399 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Fazilka branch is mapped to IFSC AUBL0002399 on the RBI payments network. The branch generally supports the full retail product catalogue of AU Small Finance Bank Limited, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains AUBL0002399.

Products and services

Customers walking into the Fazilka branch can access most of AU Small Finance Bank Limited's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC AUBL0002399

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by AU Small Finance Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC AUBL0002399 and the account number together uniquely identify the Fazilka branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC AUBL0002399

AU Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the FAZILKA branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC AUBL0002399 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Common mistakes to avoid when using IFSC AUBL0002399

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to AU Small Finance Bank Limited – FAZILKA, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: AUBL0002399.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Reaching the branch

The Fazilka branch sits at PROPERTY NO. 41, RADHASWAMI COLONY, PAINCHAN WALI. If you are travelling from outside Fazilka, search for the branch on a maps application using the bank name and locality, or call 183-262201 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC AUBL0002399 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC AUBL0002399 for AU Small Finance Bank Limited – FAZILKA, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at Fazilka are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to AUBL0002399 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code AUBL0002399 belongs to AU Small Finance Bank Limited's FAZILKA branch, located at PROPERTY NO. 41, RADHASWAMI COLONY, PAINCHAN WALI in FAZILKA, PUNJAB. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.